Kruk S.A.

Most consumers contacted by KRUK never wanted to fall into a debt spiral. The fact that they have to deal with a debt collection company is often a result of various contingencies such as family problems, job loss or temporary financial hardship.

We understand it perfectly well and therefore the main task of KRUK employees is to help consumers resolve their debt problems as soon as possible. We propose such forms of debt repayment that enable amicable resolution of the issue taking into account the financial position of the debtor.

First of all – do not panic!

It’s good that it is KRUK contacting you and not the court or court enforcement officer. Such contact means that the creditor decided to make one more attempt to amicably recover their receivables before the case is referred for judicial and enforcement collection. Each creditor has a right to get their money back. This right is guaranteed by legal and social norms in force in our country.

At this time your debt is managed by KRUK and it is a good time to find a way to repay it quickly or arrange repayment in instalments.  This will save further problems and will prevent the debt from multiplying when it reaches the court and enforcement by court enforcement officer.

Second – repay the debt quickly or arrange repayment in instalments!

The debt amount, its due date and bank account number to which the funds should be paid can be found in the reminder your received from KRUK. The sooner the debt is repaid the sooner KRUK will close its debt collection proceedings and your liability will be extinguished.

If you do not have sufficient funds to repay the debt in a single payment we can arrange repayment in instalments.

Number three – contact KRUK!

By calling the number given in the reminder you can quickly and easily contact one of our employees who can always assist you by explaining issues connected with the amount of the creditor’s claim, its legal bases, possibilities of arranging repayment in instalments or discuss any other way of amicable resolution of the problem. With a view to ensure confidentiality and having the best interest of consumers in mind we pay special attention to the protection of personal data and therefore we discuss case details only with the persons named in our letters. At the beginning of each conversation we verify the personal details of consumers to make sure we are contacting the right person.

Number four – be cooperative!

Cooperating with KRUK is in your best interest.  Only a dialogue will make it possible for us to successfully resolve your debt problem. By avoiding contact with us you deprive yourself of the chance to find a suitable solution and you expose yourself to further firm debt collection activities and the resulting litigation.

Receivables management is our core business.  Our employees are experts in their respective fields. As a debt collection company we have both the legal knowledge and the necessary capacity to take many different activities aimed at recovering the amounts owed to our clients. For KRUK, collecting a debt is only a matter of time. Up to certain point, the term and terms of repayment are negotiable. If the debtor does not take the chance offered by us, their case will be referred for judicial and enforcement proceedings which involves additional high costs.

Therefore you are encouraged to cooperate with KRUK – we are here to help you get rid of your problem and enable you to restore your regular status on the market.

Five – avoidance of contact is not a good strategy

Lack of contact means to the debt collector that the debtor intentionally avoids explanation and resolution of the debt problem and usually ends in going to court and court enforcement officer. The company’s experience shows that in cases for the issuance of the demand for payment Polish courts have been hearing cases more and more quickly and efficiently. Because usually the cases are undisputed, demands for payment are issued for more than 94% of them and the obtaining of a favourable decision usually takes 6 weeks (it happens that the court decides a case within a couple of days).  For the debtor it means that his debt will be increased with additional costs of judicial and enforcement proceedings and will be enforced using compulsion by authorities (court enforcement officer).

Conclusion: avoidance of contacts with the debt collector simply does not pay. Concluding a settlement is the best way to amicably resolve the debt problem. Especially when Poland’s largest debt collection company agrees to the terms of repayment proposed by the debtor.

Six – check whether you have been reported to the ERIF Register of Debtors.

It will make it possible for you to avoid unpleasant and embarrassing situations when applying for a financial service, hire purchase agreement or any utility or telecommunications service. Go to your file and see who tried to check your record over the past 12 months.